Progressive or National General in North Carolina — which is cheaper? In 74 real North Carolina quotes our agents ran in 2026, Progressive’s median was $94/month (38 quotes) and National General’s was $222/month (20 quotes). Progressive was cheaper in every segment with enough data; National General was the carrier that said yes to drivers with violations. This is a smaller sample than our Colorado and South Carolina comparisons, so read it as a direction. Full table below.
Progressive vs National General in North Carolina: Real Quotes From 74 Drivers
Plus Dairyland · Charlotte · Raleigh · Asheville · Western NC
North Carolina is one of the lowest-cost states we write, partly because it uses a state-run rate bureau and partly because the Reinsurance Facility takes drivers other states would refuse. These are the medians from the quotes we actually ran for North Carolina drivers this year, from Charlotte and Raleigh to Hendersonville and the mountains.
Medians of real quotes our licensed agents ran in 2026. Different drivers were quoted with different carriers, so these are population comparisons, not the same driver priced twice. Your rate will vary.
Who is cheaper in North Carolina, and for whom
Clean record
Progressive: $97/mo median (31 quotes) versus $154/mo for National General. Progressive’s liability-only median was $63/mo, among the lowest of any state we write.
Full coverage
Progressive: $119/mo median across 23 quotes versus $246/mo for National General (15 quotes). That gap is why we quote Progressive first on financed vehicles in North Carolina.
Violations, points, or a lapse
National General is the one that most often accepts North Carolina drivers with points ($330/mo median for drivers with violations, 7 quotes). Dairyland handles the SR22 and non-owner cases on a very small sample.
North Carolina median monthly premium by carrier and driver segment
Median monthly premium by driver segment, from 74 real quotes our agents ran for North Carolina drivers from January through May 2026. Lowest median in each row is highlighted. Segments with fewer than 5 quotes for a carrier are marked “too few” rather than shown.
| Driver segment | Progressive | National General | Dairyland |
|---|---|---|---|
| All quotes | $94/mo 38 quotes · avg $137 | $222/mo 20 quotes · avg $240 | $241/mo 6 quotes · avg $396 |
| Liability only | $63/mo 14 quotes · avg $70 | $198/mo 5 quotes · avg $187 | $85/mo 5 quotes · avg $321 |
| Full coverage | $119/mo 23 quotes · avg $182 | $246/mo 15 quotes · avg $258 | too few (1 quotes) |
| Clean record (no accidents, tickets, or DUI) | $97/mo 31 quotes · avg $119 | $154/mo 13 quotes · avg $201 | too few (4 quotes) |
| Accidents, tickets, or DUI on record | $84/mo 7 quotes · avg $216 | $330/mo 7 quotes · avg $314 | too few (2 quotes) |
| SR22 filing required | too few (0 quotes) | too few (0 quotes) | too few (2 quotes) |
| No prior insurance | $84/mo 15 quotes · avg $139 | $159/mo 11 quotes · avg $221 | too few (4 quotes) |
| Currently insured | $97/mo 23 quotes · avg $136 | $306/mo 9 quotes · avg $265 | too few (2 quotes) |
| Drivers under 25 | $69/mo 7 quotes · avg $96 | $306/mo 5 quotes · avg $299 | too few (2 quotes) |
| Drivers 25 to 39 | $92/mo 12 quotes · avg $104 | $159/mo 7 quotes · avg $169 | too few (3 quotes) |
| Drivers 40 to 59 | $91/mo 9 quotes · avg $171 | $353/mo 5 quotes · avg $261 | too few (0 quotes) |
| Drivers 60 and over | too few (4 quotes) | too few (0 quotes) | too few (1 quotes) |
Quotes are what carriers offered, not what every driver bought. “Clean record” means zero accidents, zero violations, and no DUI in the quote. Age bands use the primary driver’s age. How we collect quote data →
Where each carrier came out cheapest
- Progressive had the lowest median for: all quotes, liability only, full coverage, clean record (no accidents, tickets, or dui), accidents, tickets, or dui on record, no prior insurance, currently insured, drivers under 25, drivers 25 to 39, drivers 40 to 59.
- National General did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
- Dairyland did not have the lowest median in any segment with enough quotes, but it still won individual drivers — that is why we quote it.
Two North Carolina specifics matter here. First, the state assigns points to your license for violations, and the Safe Driver Incentive Plan surcharges are set by the state, so carrier choice matters less for a driver with points than in Colorado; that is why National General’s “violations” median is so far above Progressive’s clean-record number. Second, North Carolina does not use SR22 filings the way other states do; the DL-123 form handles most reinstatements, which is why the SR22 row is nearly empty. Our sample is 74 quotes, so treat single-digit cells as directional.
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What else separates them
Progressive
Cheapest in every North Carolina segment with enough data, and the most quotes. Snapshot telematics, same-day ID cards and DL-123 forms.
National General
Owned by Allstate. Accepts more North Carolina drivers with points or a lapse; bundles with its home products.
Dairyland
Non-owner and high-risk specialist; very small NC sample, directional only.
North Carolina Carrier Questions
North Carolina Carrier Questions
6 QuestionsIs Progressive or National General cheaper in North Carolina?
Progressive, in our 2026 quotes: $94/month median versus $222/month, and cheaper for liability, full coverage, and clean records. National General accepts more drivers with points on their license.
Why is car insurance cheaper in North Carolina than South Carolina?
Several reasons: the NC Rate Bureau sets a base rate structure, the Reinsurance Facility spreads high-risk drivers across all carriers, and liability minimums (50/100/50) come with fewer add-on requirements than SC’s mandatory uninsured motorist coverage. In our quotes, Progressive’s NC median was $94/month versus $146/month in South Carolina.
Do I need an SR22 in North Carolina?
Usually not. North Carolina uses a DL-123 form from your carrier to prove insurance for license reinstatement instead of an SR22 filing. If you moved from a state that required an SR22, we can still file it with that state.
What are North Carolina’s minimum liability limits?
50/100/50: $50,000 bodily injury per person, $100,000 per accident, and $50,000 property damage, plus uninsured motorist coverage at the same limits. These are higher than most states, which is part of why NC quotes look different.
Where in North Carolina do you write policies?
Everywhere in the state. Most of our 2026 quotes came from Charlotte, Raleigh, Durham, Greensboro, Gastonia, and Western North Carolina (Hendersonville, Franklin, Waynesville, Asheville). See our Western NC page and North Carolina guide.
Are these rates what I will pay?
No. They are medians of real quotes for many different North Carolina drivers on a small sample. Your ZIP code, vehicle, credit, coverage, and points will move your rate. The table tells you which carrier to compare first.
How this comparison was built
Every number on this page comes from quotes our licensed agents ran for North Carolina drivers between January and May 2026 (74 quotes across three carriers), stored in our first-party quote dataset. A quote is what the carrier offered; it is not a policy sold. Medians are used so a few very high-risk quotes do not distort the picture. Different drivers were quoted with different carriers, so this is a population comparison. Segments with fewer than 5 quotes for a carrier are shown as “too few.” Full methodology: How we collect quote data.
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Related Guides
- North Carolina Car Insurance Guide
- Western North Carolina Auto and Home Insurance
- North Carolina Auto Insurance Rates 2026 Outlook
- Henderson County Auto Insurance Rates
- Buncombe County (Asheville) Auto Insurance Rates
- Progressive vs GEICO: 2,208 Real Quotes
Last Updated on by Shawn Christie